Umbrella Insurance

Umbrella insurance gives you a layer of additional liability coverage, above the limits of your homeowners, renters, auto and other policies.

When might I need Umbrella Insurance?

The liability portion of a typical auto insurance policy, for example, covers claims up to $500,000. But if you or one of your family members causes a serious or fatal accident, the costs can easily run into the millions. If you are sued, the umbrella policy covers the settlement, plus attorneys' and court fees.

If someone injures themselves on your property they could potentially sue you for damages past what your homeowners policy would cover you for.